Transamerica Term Products - Trendsetter Super and Trendsetter LB

Carrier: Transamerica

Product: Trendsetter Super / Trendsetter LB

Product Type: Fully Underwritten Term Life Insurance

Plan Tiers: Trendsetter Super (basic term), Trendsetter LB (includes Living Benefits)

Issue Ages: 18–80 (varies by term length and product)

Face Amounts: $25,000–$10,000,000+

Target Market: Clients seeking high face amount term coverage, with or without built-in living benefits

Underwriting Notes: Fully underwritten. Based on application, medical exam (in most cases), MIB, Rx, motor vehicle report, and financial justification.


Product Overview

Trendsetter Super: Affordable level term life insurance offering coverage from 10 to 30 years (in 5-year increments). Provides death benefit protection with the option to convert to permanent coverage later. Does not include living benefits.

Trendsetter LB: Includes built-in living benefits for Chronic, Critical, and Terminal Illness (via Accelerated Death Benefit riders). Slightly higher premiums than Super but offers more flexible protection.


Term Lengths

  • 10, 15, 20, 25, or 30-year level term durations
  • Coverage may continue after level term as annually renewable term up to age 95

Face Amounts

Trendsetter Super:

  • Minimum: $25,000 (ages 18–65); $50,000 (ages 66–80)
  • Maximum: $10,000,000+ (depends on underwriting)

Trendsetter LB:

  • Minimum: $25,000
  • Maximum: $2,000,000 (subject to accelerated benefit limits)

Issue Ages

Term Period Super LB
10-Year 18–80 18–75
15-Year 18–70 18–70
20-Year 18–65 18–65
25-Year 18–60 18–60
30-Year 18–58 (Non-Nicotine) 18–58 (Non-Nicotine)

Underwriting & Issue Classes

  • Preferred Plus NT, Preferred NT, Standard NT, Preferred Tobacco, Standard Tobacco
  • Simplified and Accelerated Underwriting options available up to $2,000,000 (depending on age and risk class)
  • Full underwriting for higher face amounts or flagged cases

Height & Weight Guidelines (Simplified)

Height Max Weight – Preferred Plus NT Max Weight – Standard
5'4" 173 202
5'6" 186 217
5'8" 198 231
5'10" 211 246
6'0" 224 261
6'2" 237 276
6'4" 250 291

Built-In Living Benefits (Trendsetter LB Only)

Accelerated Death Benefits: Automatically included with LB plan at no additional premium.

  • Chronic Illness: Cannot perform 2 of 6 ADLs or requires substantial supervision for cognitive impairment
  • Critical Illness: Includes conditions such as heart attack, stroke, cancer, organ transplant, ALS, and more
  • Terminal Illness: Life expectancy of 12 months or less (24 in some states)

Benefit Amount: Up to 90% of the death benefit (varies by state and product)

Administrative Fee: May apply at time of acceleration


Optional Riders (Availability Varies by State & Product)

  • Waiver of Premium Rider
  • Children's Term Insurance Rider (covers children up to age 25)
  • Accidental Death Benefit Rider
  • Income Protection Option (IPO)

Conversion Options

  • Convertible to Transamerica permanent life insurance plans without evidence of insurability
  • Available during the earlier of end of level term period or insured’s age 70

eApplication & Submission Guidelines

  • Submit via Transamerica’s Agent Portal or iGO eApp platform
  • Signature via email or SMS available
  • Application decision may be instant (accelerated underwriting) or referred for additional review

Agent Notes & Guidance

  • Use Trendsetter LB when clients are concerned about illness, not just death — living benefits offer peace of mind.
  • Use Trendsetter Super when lowest premium is the priority and the client does not need living benefit access.
  • Always review underwriting class guidelines and build charts before quoting preferred rates.
  • Confirm client’s eligibility for accelerated underwriting to avoid delays.

Support Contact: For pre-sale or underwriting questions, contact Transamerica Sales Desk or your upline manager.

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Address

Legacy Agent, LLC
41000 Woodward Ave, East Ste #350
Bloomfield Hills, MI 48304
 

Talk to us

+1-888-479-9888
+1-248-461-3360
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